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Thread: Obama Officials In 2010: 93 Million Americans Will Be Unable ToKeep Their Health Plan

  1. #21
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    Re: Obama Officials In 2010: 93 Million Americans Will Be Unable ToKeep Their Health

    Quote Originally Posted by Buck Ewer View Post
    Why would anyone want to keep their inadequate crap policies when under the ACA they can get better coverage for lower premiums?
    Some of these junk policies do not even cover hospitalization or have absurdly high deductibles and absurdly low caps. They should be illegal and now they are.
    This is a protection built into the ACA to make all policies meet a minimum standard of coverage.
    Unfortunately insurers have not been forth-coming with offering comparably priced policies that cover better than the junk they can no longer sell under the law. They saw this as an opportunity to try an up-sell to higher priced coverage, making people believe that the higher priced coverage is their only alternative.
    The insurance companies have been dishonest in an attempt to sell higher premium policies.
    A little investigation by those who have received these cancellation letters will reveal that they will have much better coverage often at the same or lower premiums.
    The article is referring to employer based plans, both large group and small group.

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    Re: Obama Officials In 2010: 93 Million Americans Will Be Unable ToKeep Their Health

    Quote Originally Posted by Samhain View Post
    The article is referring to employer based plans, both large group and small group.
    The exchanges will make even large group policies look tiny by comparison.
    If they are being cancelled they are probably inadequate under the law...but not necessarily.
    The insurance industry has always been canceling policy choices large, small and individual every year...
    People are paying attention to the practice of canceling policies now because of the launch of the ACA.
    This practice is nothing new.

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    Re: Obama Officials In 2010: 93 Million Americans Will Be Unable ToKeep Their Health

    Quote Originally Posted by Buck Ewer View Post
    There is no doubt about it...participation by all is the key. But understand this; The individual mandate tax penalty goes up every year :
    ...at $695 per person in the household and $695 for every 2.5% they make over the filing threshold. Buying insurance begins to look like a more attractive option. Don't forget paying the mandate penalty tax does not exempt these "healthy young people" from being billed enormously by the emergency rooms when the do get sick or break a leg skiing.
    Basically, the "OR ELSE!" part of the mandate gets more dire over the next few years. I'm sure that'll go over well with the young-but-healthy, student-loan-ridden individual barely making enough to not qualify for insurance subsidies. Nevermind the fact that they could have gotten catastrophic care insurance a few years prior which would have saved them thousands of dollars every year they could have used to pay the rent, the ever-increasing gas bill, or perhaps get out of debt before they are 35.

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    Re: Obama Officials In 2010: 93 Million Americans Will Be Unable ToKeep Their Health

    Quote Originally Posted by Buck Ewer View Post
    The exchanges will make even large group policies look tiny by comparison.
    If they are being cancelled they are probably inadequate under the law...but not necessarily.
    The insurance industry has always been canceling policy choices large, small and individual every year...
    People are paying attention to the practice of canceling policies now because of the launch of the ACA.
    This practice is nothing new.
    "Inadequate under the law" and inadequate in the real world for an individual person are two completely different things. The premiums people are going to be forced to pay for insurance they don't need seems inadequate to me. I've already informed you about the fact that just because a large number of people are in an insurance policy doesn't automatically make it more economical. The exchanges will be filled with high-risk individuals and folks with pre-existing conditions which will drive the costs up for everyone. If a decent percent of the young healthies decide they'd rather pay a fine, those premiums will skyrocket beyond "adequacy." Guess what happens then? Either the system breaks or the OR ELSE part of the mandate will be worsened. This is a big gamble the government is taking relying on young people, the ones least able to give financially to society, to sacrifice more of their economic freedom for people they have no connection with.
    Last edited by CycloneWanderer; 10-31-13 at 01:31 PM.

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    Re: Obama Officials In 2010: 93 Million Americans Will Be Unable ToKeep Their Health

    Quote Originally Posted by CycloneWanderer View Post
    Basically, the "OR ELSE!" part of the mandate gets more dire over the next few years. I'm sure that'll go over well with the young-but-healthy, student-loan-ridden individual barely making enough to not qualify for insurance subsidies. Nevermind the fact that they could have gotten catastrophic care insurance a few years prior which would have saved them thousands of dollars every year they could have used to pay the rent, the ever-increasing gas bill, or perhaps get out of debt before they are 35.
    Well if these poor little kids are under 25 they can still be on mom and dads policy and if they are truly poor without help from mom and dad they WILL get subsides. If they are making decent money and can afford insurance do you really want them freeloading on the system and driving up ER and hospital costs?
    The penalty tax is linked to income and ability to pay. That is why it is being administered by the IRS. They know how much they make.

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    Re: Obama Officials In 2010: 93 Million Americans Will Be Unable ToKeep Their Health

    Quote Originally Posted by Buck Ewer View Post
    Well if these poor little kids are under 25 they can still be on mom and dads policy and if they are truly poor without help from mom and dad they WILL get subsides. If they are making decent money and can afford insurance do you really want them freeloading on the system and driving up ER and hospital costs? The penalty tax is linked to income and ability to pay. That is why it is being administered by the IRS. They know how much they make.
    The only reason it's being administered by the IRS is because that is the only plausible way the government could get away with coercing people to engage in buying health insurance because they decide to breathe every day. The side-effect of the government having more and more access to people's personal information is just a bonus for the NSA types.

    Let me get this straight: The Poor need more coddling, the young need to just keep sucking their mama's tit till their 26 (at which point they better be either rich or poor, OR ELSE), the rich don't care because they're rich, and the middle class gets bent over because they don't so much/little that they don't have to care about it. Tell me again how this will be good for everyone. Tell me how this won't just exacerbate the class warfare rhetoric.

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    Re: Obama Officials In 2010: 93 Million Americans Will Be Unable ToKeep Their Health

    Quote Originally Posted by Buck Ewer View Post
    Yeah ... Pretty disgusting of me to let you know that you can get a better product for the same or less money huh?
    I know enough about the lives of others to know that most would like a better deal...
    Maybe not you Huh?
    Are you unable to understand that NO ONE needs you to tell them what is right for themselves or their family? Forget your silly Liberal elitism and realize your equality, at best. With others. Your angry childlike posts are extreme offensive and valueless.

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    Re: Obama Officials In 2010: 93 Million Americans Will Be Unable ToKeep Their Health

    Quote Originally Posted by Buck Ewer View Post
    The exchanges will make even large group policies look tiny by comparison.
    If they are being cancelled they are probably inadequate under the law...but not necessarily.
    The insurance industry has always been canceling policy choices large, small and individual every year...
    People are paying attention to the practice of canceling policies now because of the launch of the ACA.
    This practice is nothing new.
    How? The Federal Exchange has over 36,000 policies.

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    Re: Obama Officials In 2010: 93 Million Americans Will Be Unable ToKeep Their Health

    Quote Originally Posted by Buck Ewer View Post
    The individual mandate tax goes up each year you do not have a real policy .
    Of course: once you establish a system of taking hostages with impunity, why keep ransom low?

    Quote Originally Posted by Buck Ewer View Post
    as more people join the exchanges the policy premiums WILL go down.
    Your faith is almost moving. What is virtually certain to happen, however, is the premiums staying where they are (the over-optimistic projections of enrollment had been factored in already) - and rising again next year (nothing is being done about the artificial price inflation on in the actual health care markets - caused in large part by the parasitic intermediaries like these "insurance" companies).

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    Re: Obama Officials In 2010: 93 Million Americans Will Be Unable ToKeep Their Health

    Quote Originally Posted by Ray410 View Post
    Your angry childlike posts are extreme offensive and valueless.
    Offensive and childlike anger?
    You are the one who childishly told me I have no "right " to comment and my post was "disgusting" because I explained something...
    Last edited by Buck Ewer; 10-31-13 at 02:45 PM.

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